                &\multicolumn{1}{c}{(1)}&\multicolumn{1}{c}{(2)}&\multicolumn{1}{c}{(3)}&\multicolumn{1}{c}{(4)}\\
                &\multicolumn{1}{c}{3 Messages}&\multicolumn{1}{c}{Any Messages}&\multicolumn{1}{c}{5 Messages}&\multicolumn{1}{c}{7 Messages}\\
\midrule
Female          &    0.023\sym{**} &   -0.004         &    0.030\sym{***}&    0.013         \\
                &  (0.009)         &  (0.006)         &  (0.010)         &  (0.008)         \\
\addlinespace
$\text{Age} /$ 100&    0.789\sym{***}&    0.279\sym{***}&    0.892\sym{***}&    0.700\sym{***}\\
                &  (0.059)         &  (0.044)         &  (0.059)         &  (0.049)         \\
\addlinespace
$\text{Age}^2 /$ 10,000&   -0.284\sym{***}&   -0.167\sym{***}&   -0.283\sym{***}&   -0.209\sym{***}\\
                &  (0.029)         &  (0.024)         &  (0.024)         &  (0.016)         \\
\addlinespace
Loan Client     &    0.085\sym{***}&    0.032\sym{***}&    0.101\sym{***}&    0.072\sym{***}\\
                &  (0.010)         &  (0.007)         &  (0.011)         &  (0.010)         \\
\addlinespace
Lives in Accra  &    0.023\sym{**} &    0.019\sym{***}&    0.041\sym{***}&    0.016\sym{*}  \\
                &  (0.010)         &  (0.007)         &  (0.011)         &  (0.009)         \\
\addlinespace
Savings         &    0.006\sym{***}&    0.004\sym{***}&    0.006\sym{***}&    0.002         \\
                &  (0.002)         &  (0.001)         &  (0.002)         &  (0.002)         \\
\addlinespace
Savings squared &   -0.000\sym{***}&   -0.000\sym{***}&   -0.000\sym{**} &   -0.000         \\
                &  (0.000)         &  (0.000)         &  (0.000)         &  (0.000)         \\
\midrule
Observations    &    10000         &    10000         &    10000         &    10000         \\
F statistic     &   35.908         &   12.349         &   46.959         &   36.603         \\
p-value         &    0.000         &    0.000         &    0.000         &    0.000         \\
Mean Compliance &    0.658         &    0.882         &    0.413         &    0.218         \\
